Are you an intermediary?

Intermediary site

Want to apply for a mortgage?


Already a customer?

Did you know your browser is out of date? It is strongly recommended that you use an alternative browser.

Do it Later x

Why choose a Kensington mortgage?

At Kensington, our purpose is to help our customers to buy their own property.

And, as we specialise in what the big lenders call ‘non-standard cases’ they have become standard to us. So we can make it as straightforward as possible for you to know whether we can help, with clear lending criteria and swift responses.

Our mortgages are available exclusively through mortgage advisers because their expertise perfectly complements our specialist lending, to provide you with the best possible service.

  • Free Valuations and Free Legals for Remortgages
  • Up to 100% of regular overtime/bonus considered
  • Investment and second job income allowable
  • Mortgages up to £2 million
  • First time buyer loans up to £500,000

How to apply for a Kensington mortgage

We work with mortgage advisers to ensure you receive the best service and would always recommend that you obtain appropriate advice before taking out any mortgage. 

Find an Adviser

Complex Income mortgages

If your income is supplemented by regular overtime, bonuses or a second job, we can consider up to 100% of any additional earnings depending on circumstance. Find out more >

Self-Employed mortgages

Our insight and wider evaluation of a person’s finances can enable us to make a decision on an individual's circumstances. Just the job if you are your own boss. Find out more >

First Time Buyer mortgage

Free Valuations is just one of the benefits we offer to help you take the first step into home ownership and we'll also consider customers with a limited credit history. Find out more >

Failed Credit Score mortgage

A more personal and individual approach to lending. Our underwriters make lending decisions that look beyond limited credit histories or issues. Find out more >

Contractor mortgage

We consider 12 months contracting history when making a decision to lend. A more understanding approach to underwriting. Find out more >

New Build Residential mortgage

New Build mortgages for people with more complex circumstances. Find out more >

Premier Lending

Higher value mortgages often mean more complex incomes and higher service expectations. Which is why we created Premier. Higher value mortgages between £500,000 and £2 million. Find out more >

Forces Help to Buy mortgage

At Kensington we make it easier for you to benefit from the government backed Forces Help to Buy scheme. Find out more >